Feel free to chime in on what the temp is of the water on your lake or river. I'll start...
This is the reading in the channel taken from the water temperature gauge on my supra so it may not be 100% accurate. All I know is it's still pretty dang chilly for the heater top, but that isn't stopping us. This is taken on Fort Loudon lake in Knoxville, TN near the Pellisippi Parkway Bridge

I was out last night at Ft. Loundon in the Turkey Creek Cove near Concord Marina. The water temp was 68-69F. The main channel was 64-68 depending on where you drove. This is all from the gauge on the bottom of the hull.

I found a small run on the cove that Concord Marina is on just past Fox Road Marina where the water temp was 72- 74F. The run is small but the water temp is perfect for some quick pulls.

The water was a little choppy but we were able to find some butter deep in the coves.